Spokane County property record for 10706 N Cowlitz Ct, Spokane, WA 99208
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,034 sqft · built 1997 |
| Lot Size | 0.246 acres (10,693 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $226,580 (Jul 2010) |
| Tax Bill | $4,918 (2026) |
| Deeds & Mortgages | Sep 2026 Line of Credit Aug 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26161.2804 |
| Primary APN | 26161.2804 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 3,034 sqft Living Area |
| Gross Area | 3,744 sqft |
| 1st Floor Area | 1,534 sqft |
| Basement Area | 1,502 sqft |
| Finished Basement | 1,500 sqft |
| Unfinished Basement | 2 sqft |
| Utility Room | Utility Room |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,693 sqft (0.246 acres) |
| Garage Type | Attached |
| Garage Area | 708 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 100 sqft |
| Canopy | 360 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 10706 N COWLITZ CT |
|---|---|
| City | SPOKANE |
| State | WA |
| Zip | 99208-9075 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF |
| Legal Description | SUNDANCE HILLS 10TH ADDITION LT 4 BLK 44 |
| Legal Range | 42E |
| Legal Township | 26N |
| Legal Section | 16 |
| Legal Subdivision | SUNDANCE HILLS 10TH ADDITION |
| Legal Block | 44 |
| Legal Lot Number | 4 |
| Jurisdiction | SPOKANE WA |
| Township / Civil Division | SPOKANE |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 10603 |
10706 N Cowlitz Ct is owned and occupied by two individuals who acquired it in November 2016.
Source: Spokane County records, as of September 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10706 N COWLITZ CT, SPOKANE, WA 99208-9075 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 3, 2026 | Deed of Trust, Mortgage · Line of Credit LENDAGE LLC |
| Aug 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION |
| Feb 27, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 13, 2010 · Amount on File |
| Deed Sale | Jul 13, 2010 · Amount on File |
| Prior Sale | Jan 3, 2000 · Amount on File |
| Deed Document Number | 20105916136 |
| Last Transfer Date | Nov 22, 2016 |
| Transfer Doc | 0006558269 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPOKANE WA |
| Recording Date | Sep 3, 2026 |
| Property Address | 10706 N COWLITZ CT, SPOKANE, WA 99208-9075 |
| Document Number | 0007513303 |
| Instrument Date | Aug 28, 2026 |
| Instrument | 20267513303 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 10706 N COWLITZ CT, SPOKANE, WA 99208-9075 |
| Document Number | 0007513303, |
|---|---|
| Date | Sep 3, 2026 |
| Instrument | 20267513303 |
| Name | LENDAGE LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Oct 1, 2036 |
| Rate | 8.55% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPOKANE WA |
| Property Address | 10706 N COWLITZ CT, SPOKANE, WA 99208-9075 |
| Transaction Type | Mortgage |
| Record Updated | Aug 27, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0007116111 |
|---|---|
| Date | Aug 20, 2021 |
| Instrument | 7116111 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPOKANE WA |
| Property Address | 10706 N COWLITZ CT, SPOKANE, WA 99208-9075 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0006896315 |
|---|---|
| Date | Feb 27, 2020 |
| Instrument | 6896315 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2050 |
The 2026 property tax bill for 10706 N Cowlitz Ct was $4,918, up 22.3% from the year before.
Source: Spokane County assessment roll, as of September 16, 2026
| Type | Name |
|---|---|
| State | Washington |
| County | Spokane County |
| Municipality | Spokane City |
| Unified School District | Spokane Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,918.00 (+22.28%) | $492,900 Land $130,000 Building $362,900 | $492,900 Land $130,000 Building $362,900 |
| 2025 | $4,022.00 | ||
| 2024 | $408,400 (+24.93%) Land $100,000 Building $308,400 | $408,400 (+24.93%) Land $100,000 Building $308,400 | |
| 2023 | $3,993.00 (+4.45%) | $326,900 Land $60,000 Building $266,900 | $326,900 Land $60,000 Building $266,900 |
| 2022 | $3,823.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10706 N Cowlitz Ct in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 27, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 10706 N Cowlitz Ct is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 64% of the US · above 43% of Washington |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF SPOKANE serves 346,138 people · EPA ID WA5383100 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2024 |
| Lead | 2 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 238 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| TDS Telecom Fiber | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| CenturyLink DSL | 140 / 20 |
| Wind Wireless Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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